First off, your secretary is a moron and should be removed from the position. Who keeps that amount of money in their unlocked car? And who does not file a police report when it's stolen? I know everyone is innocent until proven guilty, but it doesn't look good for your league secretary here. In order to get the insurance through USBC, you'll need the paperwork that was filed at the beginning of the season. The USBC covers the funds if the "Funds taken through the forcible entry into the premises or locked receptacle, where the funds are kept, of an officer or the center’s messenger. There must be visible evidence of forcible entry. An on-site police report is required." Since the car was not locked and no police report, I can see them denying this. Perhaps you could go the route of misuse of funds "A shortage attributed to dishonesty by a league officer." League officers are covered up to $10,000. If there is more than $10,000 in the prize fund(as in your case), the leagues are covered provided the full amount of the prize fund is indicated on the league certification application when it was submitted. Further in formation can be found on page 85 of the 2016-2017 USBC rulebook.